According to the latest CREA Monthly Housing Market Report, national home sales dipped just 0.6% month-over-month in November 2025, remaining well above spring lows and largely unchanged since mid-summer. Prices softened slightly, inventory stayed balanced, and buyer confidence is cautiously returning — especially now that the Bank of Canada has effectively signaled that rates have peaked.
For homeowners, investors, and refinancers, this “holding pattern” may be the most strategic window we’ve seen in years.
The Market Isn’t Falling — It’s Resetting
CREA Senior Economist Shaun Cathcart described the market as moving out of its mid-year rally and into a pause:
“More of a holding pattern heading into 2026, coupled with price concessions in November to get deals done before year-end.”
In practical terms, this means:
Sellers are more flexible
Buyers are less panicked
Financing decisions matter more than timing headlines
This is exactly the type of market where smart refinancing and private capital solutions thrive.
November 2025 Housing Snapshot (Canada)
Key national indicators show a balanced — not distressed — market:
🔹 Home sales: −0.6% month-over-month
🔹 Sales vs. November 2024: −10.7% (still above spring lows)
🔹 New listings: −1.6% month-over-month
🔹 MLS® HPI: −0.4% month-over-month
🔹 HPI year-over-year: −3.7%
🔹 Average home price: $682,219 (−2% YoY)
🔹 Months of inventory: 4.4 (near long-term average of 5)
The sales-to-new listings ratio tightened to 52.7%, right in the range of a balanced housing market.
In other words:
Canada isn’t crashing — it’s recalibrating.
Why 2026 Is Shaping Up as a Pivotal Year
CREA Chair Valérie Paquin pointed to external economic shocks — including U.S. tariffs — as the reason the expected 2025 rebound stalled.
But now, the landscape has changed:
Interest rates are lower than expected
The Bank of Canada has signaled cuts are likely done
Buyers are adjusting to the “new normal”
Sellers are pricing realistically
This sets the stage for renewed activity in spring 2026, especially among homeowners who plan ahead instead of waiting.
What This Means for Ontario Homeowners
At Lendworth, we’re already seeing how this plays out on the ground across Toronto, Vaughan, and the GTA.
Many homeowners are choosing to act now by:
Refinancing before demand surges again
Consolidating high-interest debt while values remain strong
Using short-term private mortgages to bridge into 2026
Avoiding forced renewals or rushed listings later
When prices flatten and rates stabilize, equity strategy becomes more important than market timing.
Why Private Mortgage Solutions Matter Right Now
Banks remain conservative — even as market conditions improve. That’s where private lending fills the gap.
Lendworth Private Mortgages are designed for real-world conditions:
✔ Rates starting at 8.99%
✔ First & second mortgages up to 75% LTV
✔ Fast approvals — often 24–48 hours
✔ Flexible income & credit requirements
✔ Property-based underwriting
✔ Ontario-wide coverage with GTA expertise
✔ Transparent terms and investor-grade compliance
We don’t wait for perfect conditions — we structure solutions around today’s reality.
The Quiet Advantage: Acting Before the Crowd
Housing markets don’t turn on headlines — they turn on preparation.
By the time activity “feels” normal again in 2026, the best refinancing terms, valuations, and private capital availability will already be tightening.
Smart homeowners act during stability, not during frenzy.
Plan Your 2026 Strategy Today
If you own property in Ontario, this market pause may be your window to:
Refinance on your terms
Reduce financial pressure
Position yourself ahead of the next cycle
📍 Ontario-wide private mortgage solutions
📞 Fast equity reviews available
Your equity deserves more™